This document contains all of the essential materials you may need to collect while navigating your financial planning journey. Use it as a resource to track what documents you need to provide, tailored to your specific situation. 

Use this link to complete a free, quick risk questionnaire to calculate your risk score. Once calculated, we will schedule a meeting to review the results, explain what a risk score is, and discuss how we use it in your portfolio.

The Financial Wellness Kit will give us a good look into your financial life. We will use this kit to review different areas of your financial life and to make recommendations that are in your best interest. 

One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent.

Asset management is only a fraction of what we handle for our clients. As part of our planning process, we do an in-depth review of all the topics listed below. We will implement, maintain, and periodically review your financial plan and consistently make specific recommendations on optimizing your financial situation.

This page from the IRS provides detailed information on retirement plan rollovers, including guidelines for transferring funds between different retirement accounts. 
 

The purpose of this document is to use it as a comparison worksheet between what we do at Steffens Financial, and what your current financial advisor does for you.

This document outlines the key ages to remember when planning for retirement. Use this guide to ensure you stay on track and make the most of these important milestones. 

Learn everything you need to know about estate planning including what it is, getting started & the basics of estate planning in this guide by Trust & Will.

This page from the National Institute on Aging discusses strategies for coping with grief and the loss of a spouse, offering guidance on managing emotional and practical challenges.

This page from the Small Business Administration (SBA) offers comprehensive guidance on starting a business, including essential steps for planning, launching, managing, and growing your small business. 
 

Start your search for colleges now utilizing this great resource from Franklin Templeton, allowing you to search based on various important factors.

Estimate your Student Aid Index (SAI) for the upcoming school-year, using Franklin Templeton's calculator.

Search thousands of scholarships, grants, and other aid award opportunities through Franklin Templeton.

You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits when you reach your full retirement age. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.

A free and secure my Social Security account provides personalized tools for everyone, whether you receive benefits or not. You can use your account to request a replacement Social Security card, check the status of an application, estimate future benefits, or manage the benefits you already receive.

Find out your full retirement age, which is when you become eligible for unreduced Social Security retirement benefits. The year and month you reach full retirement age depends on the year you were born.